BUSINESS OVERHEAD INSURANCE

Protects business revenue and covers losses for the following. 

• Wages 
• Professional Fees 
• Practice Debts 
• Bank Loans 
• Supplies 
• Replacement Doctor 
• Much more… 

With the dentist/dental specialist being the primary driver of income for a practice it is crucial to have this coverage as a business owner. Even if you do not believe it to be necessary nine times out of ten a bank will refuse to give you a loan unless you carry some form of business disability insurance or commit your personal coverage to paying them first. What Business Overhead Expense does is if the owner and/or any owning partners are disabled, the insurance company pays monies towards the business loan, salaries, utilities, taxes , legal fees , etc.. This insurance protects the practice and saves the owners from having to make split second decisions on fire selling the practice or selling off share in the practice if an owner/partner is disabled. It is a key insurance towards protecting the business and offsetting any unnecessary business risk.

BUSINESS OVERHEAD EXPENSE

• With the dentist/dental specialist being the primary driver of income for a practice it is crucial to have this coverage as a business owner. Even if you do not believe it to be necessary nine times out of ten a bank will refuse to give you a loan unless you carry some form of business disability insurance or commit your personal coverage to paying them first. 



• What Business Overhead Expense does is if the owner and/or any owning partners are disabled, the insurance company pays monies towards the business loan, salaries, utilities, taxes, legal fees, etc. This insurance protects the practice and saves the owners from having to make split second decisions on fire selling the practice or selling off share in the practice if an owner/partner is disabled. It is a key insurance for protecting the business and offsetting any unnecessary business risk.